Korea Hit-and-Run and Uninsured Vehicle Government Compensation Calculator

Estimate Korean government guarantee compensation for hit-and-run, uninsured, or stolen-vehicle accidents, including death, injury, disability caps, deductions, and the three-year filing deadline.

Accident and victim inputs

Accident type

Damage type

Estimated payment

₩3,000,000

After cap and deductions

Legal liability cap

₩3,000,000

Cap applied

Gross estimated damage

₩8,621,000

Before compulsory-insurance cap

Limitation deadline

2029-01-01

902 days from today

Damage breakdown

Base monthly income
₩3,630,000
Funeral cost
₩0
Consolation money
₩450,000
Lost income
₩0
Medical cost
₩2,000,000
Temporary disability loss
₩6,171,000
After legal cap
₩3,000,000
Deduction
-₩0
Hoffman coefficient
194.346
Working months
300

Important notes

  • The government guarantee covers personal injury, death, and permanent disability only. Vehicle damage is not covered.
  • Because income is unknown or zero, the calculation applies the 2026 urban daily-wage monthly equivalent.
  • Estimated damages exceed the compulsory liability cap, so the government guarantee is limited to the statutory cap.
  • File with the Korea Automobile Accident Compensation Promotion Institute or one of the 11 non-life insurers within three years.

This Korea-based estimate reuses the Korean government-guarantee logic for death, injury, disability, compulsory-liability caps, 2026 daily wage, Hoffman lost income, supplementary deductions, and the three-year limitation period.

Related calculators

What is the Korean government guarantee program?

The government guarantee program for motor vehicle accidents is a public safety net under Article 30 of the Motor Vehicle Accident Compensation Guarantee Act. It compensates victims when a hit-and-run, uninsured, or stolen vehicle accident leaves the victim unable to receive compensation from the driver or an insurer.

This calculator estimates the 2026 compulsory liability compensation amount for death, injury, or permanent disability, and it also checks the three-year filing limitation period from the accident date. It applies the same rule as compulsory liability insurance: if estimated damages exceed the statutory cap, the government pays only up to that cap.

Korea-based calculator

This tool is based on Korean government-guarantee and compulsory liability insurance limits. It is an estimate only. Actual compensation depends on diagnosis, disability evaluation, fault, other compensation received, and review by the Korea Automobile Accident Compensation Promotion Institute or an insurer.

Who needs this calculator?

  • Victims of hit-and-run accidents where the at-fault driver cannot be found
  • Victims hit by a vehicle without compulsory liability insurance
  • Victims of stolen or unauthorized vehicle accidents where the owner is not liable
  • Victims who cannot recover treatment cost or settlement money because the at-fault party has no assets
  • Families estimating death or permanent-disability compensation limits
  • People checking how much time remains before the filing limitation period expires

Who is covered?

1. Hit and run, unknown owner or driver

This is an accident where the at-fault vehicle or driver cannot be identified. When there is no one from whom the victim can recover damages, the government guarantee can pay within the compulsory liability limit. The first step is reporting to police and obtaining a traffic accident fact certificate.

2. Uninsured vehicle

This covers accidents caused by vehicles without compulsory liability insurance or mutual aid. The at-fault driver is known, but there is no insurer to pay compulsory liability benefits. After paying the victim, the government can exercise recourse against the uninsured owner or driver.

3. Stolen or unauthorized vehicle

This applies when a stolen or unauthorized-use vehicle causes an accident and the vehicle owner is not legally responsible. If the owner had management negligence, such as leaving the key unattended, the owner or owner insurance may become responsible instead, so the facts matter.

Personal injury only

The program covers personal injury: death, injury, and permanent disability. It does not cover vehicle repair or other property damage. Accidents involving vehicles not subject to compulsory insurance, such as some golf carts or foreign military vehicles, can also be excluded.

Compensation limits, 2026 compulsory liability standard

Government guarantee compensation is paid within the same limit as compulsory liability insurance, also called liability coverage or bodily injury I. If estimated damages exceed the cap, the excess must be claimed separately from the at-fault party if that party is later identified and collectible.

Death

Death compensation is paid from a floor of KRW 20 million up to a maximum of KRW 150 million. Funeral cost, death consolation money, and lost income are added and then limited within that range.

Injury - grades 1 to 14

Injury benefits are capped by injury grade. Grade 1 is most severe and has the highest cap.

  • Grade 1 KRW 30 million, grade 2 KRW 15 million, grade 3 KRW 12 million, grade 4 KRW 10 million
  • Grade 5 KRW 9 million, grade 6 KRW 7 million, grade 7 KRW 5 million, grade 8 KRW 3 million
  • Grade 9 KRW 2.4 million, grade 10 KRW 2 million, grade 11 KRW 1.6 million, grade 12 KRW 1.2 million
  • Grade 13 KRW 800,000, grade 14 KRW 500,000

Permanent disability - grades 1 to 14

Permanent disability benefits are capped by disability grade after treatment. A higher labor capacity loss can increase estimated damage, but payment is still limited by the grade cap.

  • Grade 1 KRW 150 million, grade 2 KRW 135 million, grade 3 KRW 120 million, grade 4 KRW 105 million
  • Grade 5 KRW 90 million, grade 6 KRW 75 million, grade 7 KRW 60 million, grade 8 KRW 45 million
  • Grade 9 KRW 38 million, grade 10 KRW 27 million, grade 11 KRW 23 million, grade 12 KRW 19 million
  • Grade 13 KRW 15 million, grade 14 KRW 10 million

How compensation is calculated

Step 1: Select accident type and damage type

Choose hit-and-run, uninsured vehicle, or stolen vehicle, then choose death, injury, or permanent disability. The damage type determines the cap and required inputs.

Step 2: Enter victim age and income

Enter victim age and monthly income. If income is unknown, the calculator applies the 2026 urban daily wage equivalent. Lost income is discounted by the Hoffman method until working age 65.

Step 3: Enter details by damage type

For injury, enter injury grade, medical cost, and recovery months. For permanent disability, enter disability grade and labor loss rate. For death, funeral cost, consolation money, and lost income are calculated from age and income.

Step 4: Enter accident date and deductions

The accident date gives the three-year limitation deadline. Amounts already received from workers compensation, national compensation, pensions, or the at-fault party are deducted because the program is supplementary.

Use scenarios

Family of a hit-and-run fatality victim

If a household earner dies in a hit-and-run and the driver cannot be found, the family can claim under the government guarantee program. Lost income plus consolation money usually approaches the KRW 150 million death cap in many working-age cases.

If the at-fault driver is later identified, damages above the cap can be claimed separately in civil court.

Injury caused by an uninsured vehicle

If an uninsured vehicle causes injury, treatment cost and temporary disability loss are paid within the injury-grade cap. If treatment cost exceeds the cap, payment is limited. Also check any uninsured-motorist coverage in your own auto insurance.

Victim left with permanent disability

If permanent disability remains, lost income and consolation money are estimated from disability grade and labor capacity loss. Younger victims and higher-income victims can have large estimated damages, but the grade cap remains the final government-guarantee ceiling.

Where to file and limitation period

Filing office

Claims can be filed with the government-guarantee division of the Korea Automobile Accident Compensation Promotion Institute or at branches of the 11 non-life insurers nationwide. Regional offices such as Seoul, Wonju, Daejeon, Daegu, and Busan can provide consultation and intake support.

Three-year limitation period

The right to claim government guarantee compensation expires three years after the victim becomes aware of the damage, usually the accident date. If the deadline passes, the right itself disappears, so file or preserve the claim even if treatment is still ongoing.

How this differs from other systems

Traffic accident compensation depends on the insurance and facts of the accident. Distinguishing the program first helps identify where to file.

Government guarantee, uninsured-motorist coverage, and ordinary accident claims

  • Government guarantee: when the at-fault vehicle has no compulsory liability coverage, or the vehicle is unknown, the government pays personal injury within the compulsory liability cap.
  • Uninsured-motorist coverage: a rider in your own auto insurance. It pays only if you purchased it, and its cap may be higher than the government guarantee.
  • Ordinary traffic accident: when the at-fault vehicle has insurance, the insurer pays personal injury and property damage under the policy and may cover damages above the compulsory cap.

Advance treatment-cost payment

If treatment cost is urgent before final compensation is decided, you may use the advance payment system for medical fees based on auto-insurance medical fee standards. Keep receipts and detailed treatment statements. Even if treatment continues, the limitation period keeps running.

FAQ

Q. If the hit-and-run driver is caught later, must I return the compensation?

No. The government pays the victim first and then exercises recourse against the driver. The victim does not need to return the compensation already received.

Q. Can I receive government guarantee compensation after workers compensation?

The program is supplementary, so amounts paid by workers compensation, national compensation, or pensions are deducted. If there is an uncompensated gap, that gap can still be claimed within the cap.

Q. Is vehicle repair covered?

No. The government guarantee covers personal injury only. Vehicle repair and other property damage should be handled through your own auto insurance or a separate civil claim.

Q. How is this different from uninsured-motorist coverage?

Uninsured-motorist coverage is a private auto-insurance rider and pays only if you bought it. The government guarantee is public and can be claimed regardless of your own policy, but only within the compulsory liability cap. The two systems are coordinated rather than duplicated.

Q. Will the calculator result match the final payment?

It is a simplified estimate based on liability insurance terms and case-law style assumptions. Actual payment depends on diagnosis, disability evaluation, labor loss, fault, deductions, and review by the Institute or insurer.

Key tips to remember

  • Report to police first. The traffic accident fact certificate proves hit-and-run or uninsured status.
  • Only personal injury is covered. Property damage must be handled separately.
  • The cap is the ceiling. Damages above the cap must be claimed against the at-fault party if possible.
  • File within three years. Missing the limitation period can eliminate the claim.
  • Other compensation is deducted. Workers compensation and similar benefits reduce the government guarantee amount.

Estimate government guarantee compensation now

Enter accident type, damage type, age, income, grade, and accident date to estimate payment and the filing deadline.

For a difficult hit-and-run or uninsured accident, check the estimate first and then file with the Korea Automobile Accident Compensation Promotion Institute or a participating insurer.